# Credit Buddy — Never miss a card perk again > Never miss a card perk again (iPhone/iPad app by Justin Coleman.) - Source: https://appshunter.io/ios/app/credit-buddy/id6758679736 (this page in markdown: same URL + `.md`) - Developer: [Justin Coleman](https://appshunter.io/developer/1874394772) - Category: Finance - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 26.0 · 16 MB - Languages: American English - Released: 2026-03-11 - Data updated: 2026-07-29 - User reviews in markdown: https://appshunter.io/ios/app/credit-buddy/id6758679736/reviews.md ## What is Credit Buddy? Credit Buddy keeps your premium credit cards from quietly burning a hole in your pocket. If you've ever paid a $895 annual fee and wondered, "wait — did I actually use any of this?" — yeah, this is for you. Track every statement credit, anniversary perk, and bonus. See, card by card, how much of each annual fee you've already earned back. Know which card to swipe right now. Stop letting $25 dining credits expire because you forgot they existed. WHAT'S INSIDE Tracker — every statement credit and benefit across your cards, with progress on partial credits and a Benefit Pulse hero showing what's expiring soon. Cards — a fee-recovery scoreboard on every card: how much of the annual fee you've earned back, whether it's paid for itself, and days until it renews. Plus Actual vs Potential value and a shareable year-in-review. Rewards — track points across Membership Rewards, Ultimate Rewards, ThankYou, Capital One Miles, Bilt, hotel and airline programs, and more, with cash valuations. Tools — the Wallet Optimizer tells you the best card for every spending category. The Points Calculator shows whether a redemption is a sweet spot, fair, or a wash. News — curated credit card news, deals, and tips from Doctor of Credit, The Points Guy, and more. SHARE WITH YOUR HOUSEHOLD New: Household Mirror gives your partner a live, read-only view of your whole wallet — every card, every credit, what's used and what's still up for grabs. Send one private link; they tap it and they're in. No account, nothing to set up, and they can't change your data. It stays in sync on its own, and you can stop sharing anytime. Sharing is part of Credit Buddy+; joining is always free. KEY FEATURES • Set up in seconds — pick your cards and every credit, fee date, and earning rate fills itself in. No typing, no bank login, ever. • Import a statement — hand Credit Buddy a PDF or screenshot and it checks off the credits you've already used. • Catalog covers Amex, Chase, Citi, Capital One, Bilt, and most major issuers — Resy, Uber, Walmart+, Saks, airline incidentals, free-night certs, and more — kept current as terms change. When a perk is discontinued, we stop counting it but keep your history. • Auto-log — credits that renew on a schedule (streaming, dining) can mark themselves used, zero taps. • Wallet Optimizer with 11 spending categories. Conditional bonuses get demoted, so the top pick is always the easiest to use. • Card recommendations — find cards that would earn more on your top categories, plus upgrade paths (e.g. Sapphire Preferred → Reserve). • Catch-up flow — added a card mid-year? Mark which months you already used credits in. Partial amounts, no double-counting. • Reminders that keep credits on your radar — get nudged before a credit expires and before an annual fee posts. Free, no upgrade required. • On your Home Screen — widgets and Lock Screen glances show what's expiring. Ask Siri "what's expiring in Credit Buddy?" or mark a credit used, hands-free. • Privacy-respecting — no bank logins, no Plaid, no aggregators. Your cards stay on your device, with optional iCloud sync. Anonymous analytics is opt-in, off by default, and never includes your cards, balances, or amounts. CREDIT BUDDY+ Free forever for tracking up to 3 cards and 3 reward accounts — the full Tracker, fee-recovery scoreboard, expiry and annual-fee reminders, Points Calculator, and Home Screen widgets. One optional one-time upgrade unlocks unlimited cards and reward accounts, the full Wallet Optimizer (all 11 categories instead of 3), full card recommendations, custom categories, calendar sync, Household Mirror, and advanced notifications (monthly summaries, final warnings, activation nudges, reward-expiry alerts, custom timing). One payment, no subscription. Credit Buddy is independent and not affiliated with any credit card issuer or rewards program. All trademarks belong to their respective owners. ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Credit Buddy+ | $9.99 | one-time | ## Version history (last 5 releases) ### 2026.7 — 2026-07-18 Household Mirror — share your wallet with your partner. Give someone in your household a live, read-only view of your cards and credits. They see what's used and what's still up for grabs; they can't change a thing, and they never need an account. • Share a private link from Settings → Household Mirror (Credit Buddy+) • They tap the link and they're in — joining is free • It syncs on its own while you use the app, and says honestly when a view is out of date • Stop sharing anytime and the link stops working for good Also new: • Retired benefits stay honest — when an issuer ends a credit, we stop counting it toward this year's value, and your history stays intact • Auto-log credits that use themselves each period (streaming, dining) • Jump straight to redemption portals from a benefit's guide • Fixed: editing a card's open date no longer marks credits used by mistake ### 2026.6 — 2026-06-17 What's New in Version 2026.6: Is that $895 card actually worth it? Now you'll know. • Fee-recovery scoreboard — see how much of each card's annual fee you've earned back, and whether it's paid for itself • Shareable wallet recap — your year in credits, ready to post • Free reminders — get nudged before credits expire and fees post, no upgrade needed • Set up in seconds — pick your cards, everything fills itself in • Widgets & Siri — what's expiring, right on your Home Screen • Quarterly nudges to activate your rotating 5% categories • Faster iCloud sync and lots of small fixes ### 2026.5.2 — 2026-05-21 Credit Buddy 2026.5.2 improves benefit accuracy and tracker polish. This update refreshes Chase Sapphire Reserve hotel credits, improves iCloud benefit sync behavior, fixes reward balances displaying 0, cleans up Tracker row wrapping, and helps catalog updates apply more reliably to existing cards. ### 2026.5.1 — 2026-05-14 Credit Buddy 2026.5.1 fixes a few launch-polish issues from 2026.5: - Added benefit usage guides - UI Polish - Bug Fixes ### 2026.5 — 2026-05-12 What’s new: - Redesigned Card Recommendations with clearer “why this card” explanations, estimated net gain, top category impacts, and smarter filtering so weak recommendations stay out of the way. - Expanded and cleaned up the card catalog, including updated benefit categories, earning-rate data, and catalog validation improvements. - Added better default benefit categories, including Entertainment, so credits like streaming and ticketing benefits land where users expect. - Improved Card Details with open date, 5/24 status, benefit usage, and catch-up visibility. - Added card-based benefit grouping in Tracker with cleaner section headers, dividers, and denser collapsed states. - Rebuilt money entry with a custom calculator-style keypad across the app, including press animations and subtle haptics. - Added currency selection to the points calculator for Taxes & Fees and Cash Price, with daily USD conversion for more accurate international redemption math. - Improved dark mode across sheets, cards, menus, and benefit tracking flows. - Fixed wrapping and truncation issues across card rows, pending labels, recommendation cards, and net value displays. - Tightened Card, Tracker, Rewards, and Calculator UI details throughout. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-29.*